Do I Have to Use the Body Shop My Insurance Company Recommends?

One of the biggest misconceptions after an accident or hailstorm is that you're required to use the repair shop your insurance company suggests.

The truth is: you have the right to choose the repair facility.

Why Do Insurance Companies Recommend Shops?

Many insurance companies have Direct Repair Programs (DRPs) or preferred shop networks. These shops have agreed to work with the insurer under certain business arrangements.

While many DRP shops perform quality work, you are generally not required to use one simply because it was recommended by your insurance company.

You Have the Right to Choose

In Ohio, the vehicle owner chooses where their vehicle is repaired.

If an insurance representative tells you where you "have to go," ask them to clarify whether it's simply a recommendation.

Choose the Shop You Trust

When selecting a repair facility, consider factors such as:

• Manufacturer certifications

• Technician training

• Reputation and reviews

• Warranty

• Communication throughout the repair process

These factors often have a greater impact on the repair experience than whether a shop participates in an insurance company's preferred network.

The Bottom Line

Your insurance company pays for covered repairs, but you decide who repairs your vehicle. Choosing a shop you trust helps ensure you're comfortable with the repair process from start to finish.